Call reports 2015
CLAY CITY BANKING CO., THE — 2015
What CLAY CITY BANKING CO., THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 131,008,000 | 126,435,000 | 128,443,000 | 134,274,000 |
| Total loans | 90,551,000 | 94,205,000 | 96,741,000 | 104,165,000 |
| Allowance for loan losses | 949,000 | 935,000 | 970,000 | 965,000 |
| Securities available for sale | 16,581,000 | 15,125,000 | 14,352,000 | 13,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,840,000 | 109,122,000 | 112,925,000 | 113,739,000 |
| Interest-bearing deposits | 99,549,000 | 92,595,000 | 95,325,000 | 95,804,000 |
| Noninterest-bearing deposits | 18,291,000 | 16,528,000 | 17,600,000 | 17,935,000 |
| Equity capital | 11,623,000 | 11,692,000 | 11,853,000 | 11,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,409,000 | 3,638,000 | 4,887,000 |
| Interest expense | 157,000 | 313,000 | 475,000 | 639,000 |
| Net interest income | 997,000 | 2,096,000 | 3,163,000 | 4,248,000 |
| Noninterest income | 182,000 | 343,000 | 579,000 | 809,000 |
| Noninterest expense | 922,000 | 1,940,000 | 3,041,000 | 4,170,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 207,000 | 449,000 | 764,000 | 1,016,000 |
| Income tax | -55,000 | 12,000 | 103,000 | 168,000 |
| Net income | 262,000 | 437,000 | 661,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,276,000 | 11,452,000 | 11,642,000 | 11,774,000 |
| Total capital | 12,225,000 | 12,387,000 | 12,612,000 | 12,739,000 |
| Risk-weighted assets | 97,495,000 | 97,746,000 | 102,357,000 | 111,710,000 |